# 3 bedroom cottage for sale (CW11 2UW)

## Property Details

| Key | Value |
|-----|-------|
| Address | Martins Moss Lane, Smallwood, CW11, CW11 2UW |
| Price | £650,000 |
| Bedrooms | 3 |
| Bathrooms | 1 |

## Description

An attractive period cottage set within idyllic mature gardens, offering charming character accommodation and exciting potential for further extension, subject to the necessary consents. Rich in original features, the property boasts exposed beam ceilings, attractive brickwork and a welcoming wood-burning stove, creating a warm and inviting atmosphere throughout.

Outside, the beautifully established gardens provide a peaceful rural setting, while a substantial outbuilding offers excellent potential for additional garaging, workshop space or further storage solutions.

Enjoying a wonderful countryside location whilst remaining within convenient reach of Sandbach and its excellent amenities, this delightful cottage combines period charm with future potential in an enviable setting

EPC Rating: E

## Property Photos

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## Floorplans

- ![All](/listings/photos/88493892/492094) - All

## EPC Graphs

- ![EPC 1](/listings/photos/88493892/537764) - EPC 1

## Price vs local average

*Outcode + property type (HousePrices, last 2 years).*

- **Local average:** £413,691 (39 Detached, CW11, 2024–2026)
- **Deviation:** +57.1%

## Rental Range

*ONS Price Index of Private Rents (Cheshire East). Low / Realistic / Optimistic = conservative / average / best case.*

- **Low:** £878/mo
- **Realistic:** £975/mo
- **Optimistic:** £1,073/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for South Cheshire (Apr 2025 – Mar 2026).*

- **LHA floor (this property size):** £678/mo

## Rental Comparables

*Residential lets from OpenRent and Rightmove for the area (same bedroom count). Use to validate rent estimates. Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| [St. Oswalds Crescent, Sandbach, CW11](http://87.117.209.195:8080/listings/95b5c0b) | £1,500/mo | 3 | 2.41 miles | Rightmove |

**Average rent: £1,500/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.23% (weak for cashflow)
- **Max investor price (0.8%):** £187,500
- **Target investor price (1%):** £150,000

*Monthly rent ÷ price. 1%+ = strong, 0.8–1% = okay, <0.8% = weak. Max investor price = rent ÷ 0.8% (Stoke-style target). Target investor price = rent ÷ 1% (strong cashflow band). Based on OpenRent comparables.*

## Rent-driven metrics

*Based on OpenRent comparables (median £1,500/mo).*

- **Gross yield:** 2.8%
- **Cost-to-rent:** 36.1×
- **Monthly cashflow:** £-1,235/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -7.9%

*Gross yield = annual rent as % of price (no costs). Cost-to-rent = price ÷ annual rent (from OpenRent comparables); under 14× = strong, 14–16× = acceptable, 17×+ = compressed. Cashflow = rent − mortgage − 10% maintenance − £25/mo compliance; assumes 75% LTV, 3.95% APR (5yr fixed), 25yr term. ROI = annual profit ÷ cash in (deposit + 4% purchase costs).*

## Capital growth trend

*Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.*

- **5y growth:** 18.1%
- **10y growth:** 46.2%

## House Price Index (HM Land Registry)

*Official index for Cheshire East; Detached series; as of March 2026.*

- **1y growth (index):** 1.6%
- **5y growth (index):** 23.6%
- **10y growth (index):** 51.5%

## Flood risk

- **Zone:** 1
- **Risk:** Low
- **Source:** Job (default Low)

[Check long-term flood risk (GOV.UK)](https://check-long-term-flood-risk.service.gov.uk/postcode)